Why Connect? Rewards* Flexibility Control. ConneCT

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1 Connect Product Pricing and Rewards Guide July 2016 New rewards and month to month Voice and Data Top Up packages will be available from 1 July First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).

2 ConneCT Why Connect? Connect from FnB is our innovative cellular offering that lets you manage your cellular spend as easily as you manage your banking. Choose a SiM and/or a device that suits your individual needs. Rewards* Flexibility Control Up to R240 back in CASH, if you have a Connect SIM OR Up to 40% back in ebucks on your SIM spend. Choose from a range of packages from Prepaid to Postpaid. Connect Flexi is our flagship product and allows you to change your voice, data and SMS bundles monthly. Manage your cellular spend on all your SIMs easily on FNB s Digital channels as you do your banking and have complete control of your monthly usage. Click to see your SIMs all of them Click to decide: device or no device My SIM Cards My Accounts My Cards My SIM Cards Installment p.m. ZAR Installment p.m. ZAR Contract Name Airtime Voice SMS Data Celeste s Phone 2781***4423 Liam s iphone 2761*** MIN 50 SMS MB Top Up - 57 MIN 159 SMS MB Top Up Mika s Phone MIN 100 SMS MB Top Up 2761***3249 Add a SIM Card - you can port here Create your own Bundle 100SMS ZAR R35.00 Change Remove Apple iphone 6 Plus 16GB Bundle 50MB ZAR R15.00 Bundle 100MIN ZAR R90.00 See and manage all your SiMs from one central place, just like you do with your bank accounts. Choose any device on any package, and keep track of your device repayments like you do with your bank loans. Never run out of airtime or data again Add Auto Top Up Top up when I reach A Date Voucher Type Airtime How much? (recharge amount) 7.00 An Amount Please note This top up will take effect as soon as your airtime reaches R5.00 Maximum Limit auto Top Up automatically tops you up with airtime and data when you re running low - to a chosen amount, and you can set a monthly limit. Click to create your own Flexi package and adjust it monthly Connect Flexi Month to Month You decide how much you want VoiCe Min 50Min 100Min 200Min 350Min 500Min 1000Min 2000Min DaTa 1GB 0 50MB 100MB 500MB 1GB 5GB 10GB 20GB 50GB 100GB SMS SMS 100SMS 150SMS 250SMS 400SMS 600SMS adjust your voice, data and SMS bundles from month to month, as your needs change. Click to avoid bill shock, forever Click to manage your SIMs like you manage your bank accounts FNB Connect Settings Transaction History My SIM Connect ***1304 Nickname CONNECT 200 SIM Status Active Active 08 Oct :34:08 08 Oct :34:08 DATA FNB INTERNET 0.08 MB 0.00 DATA FNB INTERNET 0.35 MB 0.00 Subscription Type SIM Management Contract 08 Oct :34:08 INTERNATIONAL VOICE :00: View PUK View Order Replacement SIM Order SIM Swap Swap View your balances and real time transaction history, at any time, at no extra cost, just like you do with your bank statements. View your PUK number, block or unblock a SiM, order replacement SiMs or do a SiM swap. *Subject to your account type and reward level

3 Connect Package options Which package is for me? Flexi Voice Month to month package no strings attached Build your own voice, data and SMS package Change your voice, data and SMS bundles monthly Voice Data min 50MIN 100MIN 200MIN 350MIN 500MIN 1000MIN 2000MIN 1GB 0 50MB 100MB 500MB 1GB 5GB 10GB 20GB 50GB 100GB SMS SMS 100SMS 150SMS 250SMS 400SMS 600SMS Flexi Data Month to month package no strings attached Build your own data package Change your data bundle monthly Voice 0 30min 50MIN 100MIN 200MIN 350MIN 500MIN 1000MIN 2000MIN Data 500MB 0 50MB 100MB 500MB 1GB 5GB 10GB 20GB 50GB 100GB SMS 0 50SMS 100SMS 150SMS 250SMS 400SMS 600SMS Top Up Voice Month to month voice package no strings attached Choose from our Top Up 30, 50 and 100 packages that comes with pre-selected voice, data and SMS Limit your spend plus have the flexibility to top up when needed Top Up Data Month to month data package no strings attached Choose from our Top Up 500MB,1GB, 2GB and 5GB packages that comes with pre-selected data Limit your spend plus have the flexibility to top up when needed Prepaid Top up with airtime, data or SMS bundles as you need through FNB s Digital Channels anytime anywhere Set up Auto Top Up and never run out of airtime while on a call

4 Connect Flexi Voice and Data How to build your Flexi package. You get: You choose: + Connect SIM Up to R240 back in CASH on your Easy Account if you have a Connect SIM OR Up to 40% back in ebucks for Gold, Premier, Private and Private Wealth clients on your total SIM spend. Monthly voice, data and SMS bundles Plus Free WhatsApp* Plus no data/usage charges when accessing FNB s Digital Channels *Free WhatsApp messaging is subjected to a fair usage policy.

5 Premier, Private Clients and Private Wealth customers Voice* 30 minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R Data 50 MB R R R R R R MB R R R R R R MB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R SMS 50 SMS R R R R R R SMS R R R R R R SMS R R R R R R SMS R R R R R R SMS R R R R R R SMS R R R R R R Out-of-bundle Rates Voice* (p/min) R 0.95 R 0.81 R 0.76 R 0.71 R 0.67 R 0.57 Data (per MB) R 1.00 R 0.85 R 0.80 R 0.75 R 0.70 R 0.60 SMS (per SMS) R 0.50 R 0.43 R 0.40 R 0.38 R 0.35 R 0.30 Note: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis.

6 Gold customers Voice 30 minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R Data 50 MB R R R R R R MB R R R R R R MB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R SMS 50 SMS R R R R R R SMS R R R R R R SMS R R R R R R SMS R R R R R R SMS R R R R R R SMS R R R R R R Out-of-bundle Rates Voice* (p/min) R 0.95 R 0.90 R 0.86 R 0.81 R 0.71 R 0.57 Data (per MB) R 1.00 R 0.95 R 0.90 R 0.85 R 0.75 R 0.60 SMS (per SMS) R 0.50 R 0.48 R 0.45 R 0.43 R 0.38 R 0.30 Note: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis.

7 General information Expiry Flexi bundles Recurring bundles Once off bundles Expire after 30 days Expire after 30 days Expire after 30 days Please note: 1. You will need to be scored for Flexi products. 2. You can choose to be billed on the 20th, 25th or the 1st of the next month and allocation of inclusive bundles takes place on the 1st of the next month. For example, for the month of April, a customer is billed on the 25th of March and receives their Voice, Data and SMS on the 1st of April. 3. As a Flexi customer you are billed for your usage in arrears (that is, you use first and pay later). 4. If your SIM was activated during the middle of the month, you will be allocated pro-rata Voice, Data and SMS and you will be charged on your selected debit order date for your pro-rata cost. 5. Connect Flexi Contracts go to (Online Banking) to take up this product. Note: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis.

8 Connect Top Up Voice How to build your Top Up package. You get: + Connect SIM Up to R240 back in CASH on your Easy Account if you have a Connect SIM OR Up to 40% back in ebucks for Gold, Premier, Private and Private Wealth clients on your total SIM spend Monthly voice, data and SMS bundles Plus Free WhatsApp* Plus no data/usage charges when accessing FNB s Digital Channels *Free WhatsApp messaging is subjected to a fair usage policy.

9 Premier, Private Clients and Private Wealth customers Top Up Connect Top Up min 30 MB 30 SMS Connect Top Up min 50 MB 50 SMS Connect Top Up min 100 MB 100 SMS R R R R R R R R R R R R R R R R R R Out-of-bundle Rates Voice* (p/min) R 0.95 R 0.81 R 0.76 R 0.71 R 0.67 R 0.57 Data (per MB) R 1.00 R 0.85 R 0.80 R 0.75 R 0.70 R 0.60 SMS (per SMS) R 0.50 R 0.43 R 0.40 R 0.38 R 0.35 R 0.30 Gold customers Top Up Connect Top Up min 30 MB 30 SMS Connect Top Up min 50 MB 50 SMS Connect Top Up min 100 MB 100 SMS R R R R R R R R R R R R R R R R R R Out-of-bundle Rates Voice* (p/min) R 0.95 R 0.90 R 0.86 R 0.81 R 0.71 R 0.57 Data (per MB) R 1.00 R 0.95 R 0.90 R 0.85 R 0.75 R 0.60 SMS (per SMS) R 0.50 R 0.48 R 0.45 R 0.43 R 0.38 R 0.30 Note: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. Top Up packages do not have any carry over for the monthly allocations. *Voice calls are billed on a per second basis.

10 General information Expiry Recurring bundles Once off bundles Expire after 30 days Expire after 30 days Please note: The following available debit order dates for Voice & Data contracts and Top Up packages: 20th of the month 25th of the month last day of the month (In the event of a debit order failing, debit order dates may be adjusted) The following for the first debit order for Top Up packages: If your SIM is activated before the 15th of the month, you will be charged a pro-rated amount for that month If your SIM is activated after the 15th of the month, you will be charged in arrears on the pre-selected debit order date (You will be charged for the next month as well as the month you activated your SIM)

11 Connect Top Up Data How to build your Top Up package. You get: + Connect SIM Up to R240 back in CASH on your Easy Account if you have a Connect SIM OR Up to 40% back in ebucks for Gold, Premier, Private and Private Wealth clients on your total SIM spend. Monthly voice, data and SMS bundles Plus Free WhatsApp* Plus no data/usage charges when accessing FNB s Digital Channels *Free WhatsApp messaging is subjected to a fair usage policy.

12 Premier, Private Clients and Private Wealth customers Top Up Data Connect Top Up 500MB R R R R R R Connect Top Up 1 GB R R R R R R Connect Top Up 2 GB R R R R R R Connect Top Up 5 GB R R R R R R Top Up Out-of-bundle Rates Voice* (per minutes) R 2.50 R 2.13 R 2.00 R 1.88 R 1.75 R 1.50 Data (per MB) R 1.00 R 0.85 R 0.80 R 0.75 R 0.70 R 0.60 SMS (per SMS) R 0.50 R 0.43 R 0.40 R 0.38 R 0.35 R 0.30 Gold customers Top Up Data Connect Top Up 500MB R R R R R R Connect Top Up 1 GB R R R R R R Connect Top Up 2 GB R R R R R R Connect Top Up 5 GB R R R R R R Top Up Out-of-bundle Rates Voice* (per minutes) R 2.50 R 2.38 R 2.25 R 2.13 R 1.88 R 1.50 Data (per MB) R 1.00 R 0.95 R 0.90 R 0.85 R 0.75 R 0.60 SMS (per SMS) R 0.50 R 0.48 R 0.45 R 0.43 R 0.38 R 0.30 Note: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. Top Up packages do not have any carry over for the monthly allocations. *Voice calls are billed on a per second basis.

13 General information Expiry Recurring bundles Once off bundles Expire after 30 days Expire after 30 days Please note: The following available debit order dates for Voice & Data contracts and Top Up packages: 20th of the month 25th of the month last day of the month (In the event of a debit order failing, debit order dates may be adjusted) The following for the first debit order for Top Up packages: If your SIM is activated before the 15th of the month, you will be charged a pro-rated amount for that month If your SIM is activated after the 15th of the month, you will be charged in arrears on the pre-selected debit order date (You will be charged for the next month as well as the month you activated your SIM)

14 Connect Prepaid Complete control over your airtime, voice, data and SMS spend. How to build your Prepaid package. You get: + + Connect SIM Up to R240 back in CASH on your Easy Account if you have a Connect SIM OR Up to 40% back in ebucks for Gold, Premier, Private and Private Wealth clients on your total SIM spend. Monthly voice, data and SMS bundles Plus Free WhatsApp* Plus no data/usage charges when accessing FNB s Digital Channels *Free WhatsApp messaging is subjected to a fair usage policy.

15 Premier, Private Clients and Private Wealth customers Prepaid out-of-bundle Rates Voice* (per minutes) R 0.95 R 0.81 R 0.76 R 0.71 R 0.67 R 0.57 Data (per MB) R 1.00 R 0.85 R 0.80 R 0.75 R 0.70 R 0.60 SMS (per SMS) R 0.50 R 0.43 R 0.40 R 0.38 R 0.35 R 0.30 Gold customers Prepaid out-of-bundle Rates Voice* (per minutes) R 0.95 R 0.90 R 0.86 R 0.81 R 0.71 R 0.57 Data (per MB) R 1.00 R 0.95 R 0.90 R 0.85 R 0.75 R 0.60 SMS (per SMS) R 0.50 R 0.48 R 0.45 R 0.43 R 0.38 R 0.30 General information Expiry Recurring bundles Once off bundles Expire after 30 days Expire after 30 days Note: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis.

16 Connect Bundles Premier, Private Clients and Private Wealth customers Voice* 30 minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R Data 50 MB R R R R R R MB R R R R R R MB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R SMS 50 SMS R R R R R R SMS R R R R R R SMS R R R R R R SMS R R R R R R SMS R R R R R R SMS R R R R R R Note: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis.

17 Gold customers Voice* 30 minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R minutes R R R R R R Data 50 MB R R R R R R MB R R R R R R MB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R GB R R R R R R SMS 50 SMS R20.00 R R R R R SMS R R R R R R SMS R R R R R R SMS R R R R R R SMS R R R R R R SMS R R R R R R Note: Effective rates and prices are calculated taking into account ebucks rewards paid out monthly. *Voice calls are billed on a per second basis.

18 Connect Handy Numbers These are numbers you need to know from balance enquiries to customer service enquiries. Customer care numbers Customer service Self-service Recharge 147 from an FNB SIM or from a non-fnb SIM, alternatively [email protected] *147# (USSD), Cellphone Banking, the FNB APP and Online Banking *130*321# or *120*321# (Cellphone Banking), FNB.mobi, ATM, FNB App Balance enquiry *111# Block SIM Please call me *140*cellphone number# Voice mail 144 Terms and conditions: 1. You need to qualify for the airtime or ebucks reward programme in order to earn rewards specified in this package and reward guide. 2. Voice bundles are only available as once-off bundles and can be purchased by dialing *147# on your Connect SIM. 3. Voice calls are billed on a per second basis.

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